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    <div class="Section0" style="layout-grid:15.6000pt;"><h1 align="center" style="mso-char-indent-count:2.0000;text-autospace:ideograph-numeric;
mso-pagination:none;text-align:center;line-height:150%;"><b style="mso-bidi-font-weight:normal"><span style="mso-spacerun:'yes';font-family:宋体;mso-ascii-font-family:Calibri;
mso-hansi-font-family:Calibri;mso-bidi-font-family:'Times New Roman';mso-ansi-font-weight:bold;
font-size:22.0000pt;mso-font-kerning:22.0000pt;"><font face="宋体">财务数据名词解析</font></span></b><b style="mso-bidi-font-weight:normal"><span style="mso-spacerun:'yes';font-family:宋体;mso-ascii-font-family:Calibri;
mso-hansi-font-family:Calibri;mso-bidi-font-family:'Times New Roman';mso-ansi-font-weight:bold;
font-size:22.0000pt;mso-font-kerning:22.0000pt;"></span></b></h1><p class="MsoNormal" align="justify" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;text-autospace:ideograph-numeric;
mso-pagination:none;text-align:justify;text-justify:inter-ideograph;
line-height:150%;mso-list:l0 level1 lfo1;"><!--[if !supportLists]--><span style="font-family:宋体;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><span style="mso-list:Ignore;">1、</span></span><!--[endif]--><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">主营业务收入：业务相关收入。包含利息收入、罚息收入、手续费收入、展期手续费收入、历史逾期收入；</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"></span></p><p class="MsoNormal" align="justify" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;text-autospace:ideograph-numeric;
mso-pagination:none;text-align:justify;text-justify:inter-ideograph;
line-height:150%;mso-list:l0 level1 lfo1;"><!--[if !supportLists]--><span style="font-family:宋体;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><span style="mso-list:Ignore;">2、</span></span><!--[endif]--><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">主营业务成本：业务相关成本。包含支付手续费、销账费用、流量费用、短信费用、电话费用、邮件费用、智能</font><font face="宋体">AI费用、风控费用、APP费用、投放费用、外包费用、SAAS服务费用、税金及附加。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"></span></p><p class="MsoNormal" align="justify" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;text-autospace:ideograph-numeric;
mso-pagination:none;text-align:justify;text-justify:inter-ideograph;
line-height:150%;mso-list:l0 level1 lfo1;"><!--[if !supportLists]--><span style="font-family:宋体;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><span style="mso-list:Ignore;">3、</span></span><!--[endif]--><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">营业费用：海外职场发生的相关费用。包含：海外员工工资及奖金、海外职场房租费、水电费、物业管理费、办公费、交通费、福利费、业务招待费、通讯费、海外私卡代持费、海外法人代持费、项目服务费等；</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"></span></p><p class="MsoNormal" align="justify" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;text-autospace:ideograph-numeric;
mso-pagination:none;text-align:justify;text-justify:inter-ideograph;
line-height:150%;mso-list:l0 level1 lfo1;"><!--[if !supportLists]--><span style="font-family:宋体;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><span style="mso-list:Ignore;">4、</span></span><!--[endif]--><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">管理费用：事业部国内管理团队发生的相关费用。包含：管理团队工资、奖金、社保费用、房租费、水电费、物业管理费、办公费、交通费、福利费、业务招待费、通讯费、租赁费、咨询费；</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"></span></p><p class="MsoNormal" align="justify" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;text-autospace:ideograph-numeric;
mso-pagination:none;text-align:justify;text-justify:inter-ideograph;
line-height:150%;mso-list:l0 level1 lfo1;"><!--[if !supportLists]--><span style="font-family:宋体;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><span style="mso-list:Ignore;">5、</span></span><!--[endif]--><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">财务费用：包含所有银行账户的转账手续费、银行服务费、利息收入与支出、汇兑损失；</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"></span></p><p class="MsoNormal" align="justify" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;text-autospace:ideograph-numeric;
mso-pagination:none;text-align:justify;text-justify:inter-ideograph;
line-height:150%;mso-list:l0 level1 lfo1;"><!--[if !supportLists]--><span style="font-family:宋体;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><span style="mso-list:Ignore;">6、</span></span><!--[endif]--><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">资产减值损失：为本月放款订单在最后一个本月业务应还款日前未还的订单本金。</font><font face="宋体">M1为逾期1-7天的订单金额，M2为逾期8-15天的订单金额，M3为逾期16-30天的订单金额，M3+为逾期30天以上的订单金额；</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"></span></p><p class="MsoNormal" align="justify" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;text-autospace:ideograph-numeric;
mso-pagination:none;text-align:justify;text-justify:inter-ideograph;
line-height:150%;mso-list:l0 level1 lfo1;"><!--[if !supportLists]--><span style="font-family:宋体;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><span style="mso-list:Ignore;">7、</span></span><!--[endif]--><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">营业外收入</font><font face="宋体">——业务额外收入：客户还款溢出未申请退回的金额；</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"></span></p><p class="MsoNormal" align="justify" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;text-autospace:ideograph-numeric;
mso-pagination:none;text-align:justify;text-justify:inter-ideograph;
line-height:150%;mso-list:l0 level1 lfo1;"><!--[if !supportLists]--><span style="font-family:宋体;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><span style="mso-list:Ignore;">8、</span></span><!--[endif]--><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">还款率</font><font face="宋体">=已还订单量÷放款订单量；</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"></span></p><p class="MsoNormal" align="justify" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;text-autospace:ideograph-numeric;
mso-pagination:none;text-align:justify;text-justify:inter-ideograph;
line-height:150%;mso-list:l0 level1 lfo1;"><!--[if !supportLists]--><span style="font-family:宋体;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><span style="mso-list:Ignore;">9、</span></span><!--[endif]--><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">业务利润</font><font face="宋体">=本月订单回款金额合计+历史逾期收入+展期手续费-本月订单放款本金合计；</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"></span></p><p class="MsoNormal" align="justify" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;text-autospace:ideograph-numeric;
mso-pagination:none;text-align:justify;text-justify:inter-ideograph;
line-height:150%;mso-list:l0 level1 lfo1;"><!--[if !supportLists]--><span style="font-family:宋体;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><span style="mso-list:Ignore;">10、</span></span><!--[endif]--><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">净利润</font><font face="宋体">=主营业务收入+营业外收入-主营业务成本-营业费用-管理费用-财务费用-资产减值损失-营业外支出；</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"></span></p><p class="MsoNormal" align="justify" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;text-autospace:ideograph-numeric;
mso-pagination:none;text-align:justify;text-justify:inter-ideograph;
line-height:150%;mso-list:l0 level1 lfo1;"><!--[if !supportLists]--><span style="font-family:宋体;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><span style="mso-list:Ignore;">11、</span></span><!--[endif]--><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">件均</font><font face="宋体">=合同金额÷放款订单量；</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"></span></p><p class="MsoNormal" align="justify" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;text-autospace:ideograph-numeric;
mso-pagination:none;text-align:justify;text-justify:inter-ideograph;
line-height:150%;mso-list:l0 level1 lfo1;"><!--[if !supportLists]--><span style="font-family:宋体;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><span style="mso-list:Ignore;">12、</span></span><!--[endif]--><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">合同金额首逾数：本月放款订单在应还款日未还款的订单合同金额合计数；</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"></span></p><p class="MsoNormal" align="justify" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;text-autospace:ideograph-numeric;
mso-pagination:none;text-align:justify;text-justify:inter-ideograph;
line-height:150%;mso-list:l0 level1 lfo1;"><!--[if !supportLists]--><span style="font-family:宋体;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><span style="mso-list:Ignore;">13、</span></span><!--[endif]--><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">合同金额首逾率</font><font face="宋体">=合同金额首逾数÷合同金额合计数</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"></span></p><p class="MsoNormal" align="justify" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;text-autospace:ideograph-numeric;
mso-pagination:none;text-align:justify;text-justify:inter-ideograph;
line-height:150%;mso-list:l0 level1 lfo1;"><!--[if !supportLists]--><span style="font-family:宋体;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><span style="mso-list:Ignore;">14、</span></span><!--[endif]--><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">合同金额</font><font face="宋体">M1催回数：本月放款订单在M1逾期阶段催回的合同金额合计数；</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"></span></p><p class="MsoNormal" align="justify" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;text-autospace:ideograph-numeric;
mso-pagination:none;text-align:justify;text-justify:inter-ideograph;
line-height:150%;mso-list:l0 level1 lfo1;"><!--[if !supportLists]--><span style="font-family:宋体;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><span style="mso-list:Ignore;">15、</span></span><!--[endif]--><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">合同金额</font><font face="宋体">M1催回率=合同金额M1催回数÷合同金额首逾数；</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"></span></p><p class="MsoNormal" align="justify" style="text-indent:28.0000pt;mso-char-indent-count:2.0000;text-autospace:ideograph-numeric;
mso-pagination:none;text-align:justify;text-justify:inter-ideograph;
line-height:150%;mso-list:l0 level1 lfo1;"><!--[if !supportLists]--><span style="font-family:宋体;font-size:14.0000pt;mso-font-kerning:1.0000pt;"><span style="mso-list:Ignore;">16、</span></span><!--[endif]--><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"><font face="宋体">综合坏账率</font><font face="宋体">=资产减值损失合计÷放款本金。</font></span><span style="mso-spacerun:'yes';font-family:宋体;line-height:150%;
font-size:14.0000pt;mso-font-kerning:1.0000pt;"></span></p></div>
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